Sultan Sameer Khashugjee
Kingdom of Saudi Arabia
Summary
Results-driven Senior Private Banker with deep expertise in credit structuring, risk assessment, and wealth management. Proven ability to lead high-performing teams, manage complex credit facilities, and drive portfolio growth. Adept at collaborating across departments to optimize financial solutions and ensure sustainable client success.
Overview
11
11
years of professional experience
2
2
years of post-secondary education
1
1
Certification
Work history
Head of Private Banking Credit
Riyad Bank
Jeddah/Riyad, KSA
2025.06 - Current
- Leading the newly established Private Banking Credit Unit, focusing on optimizing credit strategy, risk governance, and client experience.
- Working closely with relationship managers and credit teams to ensure seamless execution of high-value credit transactions.
- Initiating structural improvements in credit processes and reporting frameworks to support private banking growth objectives.
- Collaborating with product, compliance, and risk departments to maintain balanced and strategic credit decisions.
Senior Private Banker
AlRajhi Bank
Jeddah, Saudi Arabia
2021.08 - 2025.05
- Led Western Region Team in all credit proposals valuing more than SAR 600MM in 2022 and reaching more than SAR 1B during 2024
- Expanded Western Region's Credit Portfolio by 500%+ through strategic deal closures and client acquisitions
- Closed largest Credit Deal in Western Region (January 2022 and 2024), demonstrating expertise in high-value transactions
- Structured and executed complex Treasury and Investment deals, ensuring high revenue generation and cross-functional synergy
- Spearheaded portfolio growth, achieving 60% increase in Current Accounts (2022-2023-2024)
- Cultivated and maintained long-term relationships with ultra-high-net-worth (UHNW) clients, providing tailored wealth management solutions
- Collaborated with Treasury and Asset Management to drive multi-departmental revenue growth
- Awarded 'Top Fees RM' for Upfront and Management Fees (2023)
Rowad Training Program
The Saudi National Bank (SNB)
Jeddah, Saudi Arabia
2017.03 - 2017.09
Corporate Banking – Structured Finance Division
The Saudi National Bank (SNB)
Jeddah, Saudi Arabia
2017.09 - 2018.03
- Worked closely with senior transactors on structured finance deals, specializing in real estate and asset-backed securitization
- Conducted in-depth financial analysis, assessing corporate balance sheets and credit risk exposure
- Provided insights into receivables analysis and risk assessment, ensuring robust financial structuring
Private Banking – Business Analyst
The Saudi National Bank (SNB)
Jeddah, Saudi Arabia
2018.04 - 2019.11
- Supported Private Bankers in structuring credit and investment solutions for UHNW clients
- Led automation of credit approval processes, ensuring compliance and operational efficiency
- Assisted in structuring SAR 200MM+ credit facilities, leveraging diverse collateral structures
Private Banking – Private Banker
The Saudi National Bank (SNB)
Jeddah, Saudi Arabia
2019.11 - 2021.07
- Grew Assets Under Management (AUM) by 200%, reinforcing expertise in portfolio expansion and wealth growth
- Increased revenue generation 3x compared to previous year through strategic advisory and tailored financial solutions
- Developed and implemented client-centric financial strategies, ensuring sustainable portfolio growth and risk management
Business Development Executive
Basim Adnan Abulfaraj Trading Establishment
Jeddah, Saudi Arabia
2015.10 - 2017.02
Political Science Tutor
2015.01 - 2015.05
Intern
Royal Embassy of Saudi Arabia
Rome
2014.06 - 2014.08
Education
B.A. - Political Science
Davis & Elkins College
Elkins, West Virginia 2013.01 - 2015.01
Skills
- Knowledge of regulatory guidelines
- Compliance adherence awareness
- High ethical standards
- Banking & Financial Analysis Tools
- Financial Modeling
- Money laundering regulations awareness
Accomplishments
- Ranked among the top 5 Relationship Managers (RMs) Kingdom-wide during 2024-2025.
- #1 RM in the Kingdom out of 48 RMs (May 2022).
- #1 RM in selling ARB SUKUK I and among the top 10 RMs for ARB SUKUK II.
- Founder of the Saudi Students Association at Davis & Elkins College.
- Campus Spirit Award 2015.
Certification
- Core Credit by Kaplan
- Credit Risk Management
- CME-1
- Selling Treasury & Corporate Banking Products
- Leadership & Executive Management Training
- Relationship & Conflict Management
- Financial Statement Analysis
- Retail Banking Basics Professional Certificate
- Senior Relationship Management Program
Personal Information
Marital status: Single
Languages
English
Proficient (C2)
Arabic
Proficient (C2)
Spanish
Elementary
Russian
Beginner
Timeline
Head of Private Banking Credit
Riyad Bank
2025.06 - Current
Senior Private Banker
AlRajhi Bank
2021.08 - 2025.05
Private Banking – Private Banker
The Saudi National Bank (SNB)
2019.11 - 2021.07
Private Banking – Business Analyst
The Saudi National Bank (SNB)
2018.04 - 2019.11
Corporate Banking – Structured Finance Division
The Saudi National Bank (SNB)
2017.09 - 2018.03
Rowad Training Program
The Saudi National Bank (SNB)
2017.03 - 2017.09
Business Development Executive
Basim Adnan Abulfaraj Trading Establishment
2015.10 - 2017.02
Political Science Tutor
2015.01 - 2015.05
Intern
Royal Embassy of Saudi Arabia
2014.06 - 2014.08
B.A. - Political Science
Davis & Elkins College
2013.01 - 2015.01